Amica Mutual: Overview

Amica Mutual is based in Lincoln, RI and has been providing coverage since 1907.

Smart Score

Compare Car Insurance Rates in Your Area

About Amica Mutual

Established in 1907, Amica Mutual Insurance Company is based in Rhode Island and is the oldest mutual insurer of automobiles in the U.S. Amica is a direct writer of personal insurance with auto, homeowners, personal excess liability and marine coverages. The company boasts financial strength and high customer service ratings. Today, Robert A. DiMuccio is chairman, president and CEO of Amica Insurance. The company boasts $5.4 billion in assets, as of Dec 31. They have written over 1.6 million policies. Subsidiaries of Amica Life Insurance include Amica Life Insurance Company, Amica Property and Casualty Insurance Company and Amica General Agency, L.L.C. When the company first formed, The Automobile Mutual Insurance Company of America offered auto, fire and theft insurance. In 1914, the Factory Mutual Liability Insurance Company of America was chartered to provide liability insurance to Automobile Mutual policyholders. In 1941, the company opened its first branch office in Boston. In 1956m Amica began issuing homeowners insurance and added marine and personal excess liability insurance. In 1970, Amica Life Insurance Company wrote its first policy. In 1973, Automobile Mutual and Factory Mutual merged. In 2007, Amica celebrated its 100th anniversary. The company now has 44 offices across the U.S and is the oldest mutual automobile insurer in the country.

Amica Mutual Facts & Ratings

Year Founded1907
Financial StrengthExcellent
A.M. BestA+
NAIC Complaint Ratio0.82
Market Share0.12%

Amica Mutual Mobile App Rating

iOS     4.82K user reviews
Android     3.3506 user reviews

Amica Mobile lets users access policy information, claims, billing, auto insurance ID card, and roadside assistance. You can also get a quote or contact a representative through the app.

Pros & Cons of Amica Mutual

  • Very low customer complaints
  • Excellent financial strength means reliability in getting claims paid.
  • Only writes policies in 10 states: Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Texas.

Common Questions about Amica Mutual

What do I need to get an Amica Insurance quote?

In order to get a quote, you need some basic information, including your name, address, birthdate, driver’s license number and driving history. You’ll also need vehicle information, like a VIN and whether you own, finance or lease your vehicle.

What states does Amica car insurance cover?

Amica writes auto insurance in the following states: Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Texas.

Does Amica check credit?

In states where it is legal to check credit, Amica does do a soft pull on your credit. There is no effect on your credit rating when Amica makes an inquiry into your credit history.

Does Amica offer accident forgiveness?

Yes, Amica offers accident forgiveness protection.

What are Amica Auto Insurance's dividend policies?

Amica offers 2 types of policies dividend and traditional (non-dividend) policies. A dividend policy returns money to you and lowers your overall policy cost. It also offers flexible dividend payment options. You can get back up to 20% of your annual premium with dividend policies. While a dividend policy costs more upfront, you can save more in the long run.

How does Amica auto repair assistance work?

Amica's Auto Repair Assistance Program boasts 1,400 certified repair shops across the country. To learn more, contact 800-242-6422.

Does Amica's home insurance cover mold?

Homeowners insurance is meant to cover expenses that are exceedingly costly to repair. It is not meant to cover losses that could have been prevented with proper maintenance by the owners of the home. Also, homeowners insurance only covers specific perils that include fire, lightning, vandalism, theft, damage caused by vehicles, falling objects, the weight of ice, snow or sleet, frozen pipes, accidental discharge or overflow of water or steam from plumbing, heating, air conditioners, sprinkler systems or household appliances. If you develop mold because of the aforementioned perils, you are covered. But it gets confusing. For example, if you experience a leak in your attic, which reaches into the insulation and causes mold, you will be covered if the leak was caused by ice building up under your roof’s shingles. However, if your roof is very old and needed maintenance, which would’ve prevented the leak, you would not be covered. It’s a fine line you walk as a homeowner when trying to get a claim paid in this sort of situation. As you can see, what makes one situation different from the other is that in the first instance, the situation can best be described as a sudden accident, not the result of negligence. For more on when an insurer covers mold or not, visit here.

How much can I save by combining Auto & Home insurance with Amica?

You can save up to 15% when you combine home and auto, life or umbrella policies with Amica.

How do Amica Credit-Based Homeowners insurance work?

A credit-based insurance score is a snapshot of your risk at a specific time based on information in a credit report. This score is one rating factor among many in determining a premium. Amica uses other factors that include driving records and home characteristics.

What are Amica Home Insurance's dividend policies?

A dividend policy returns a portion of the money back to you that you've already paid toward your insurance policy. On average, payments are 5-20% of your annual premium. You can get paid with a check or direct deposit or apply the refund towards future premium payment. A dividend policy may cost more upfront but you can save more in the long run.

Does Amica have discounts for homeowners?

Yes, Amica has homeowners insurance discounts that include a loyalty discount, claim-free discount, e-discount, multi-line discount and auto pay discount. You can also get a discount for having an alarm system, automatic detection devices and for having a new or remodeled home.

Does Amica Home Insurance cover flood?

Floods are a tricky topic when it comes to insurance coverage. In some instances, home insurance will cover flood and water damage but floods caused by natural disasters are covered only if you have a flood insurance policy. For more on this, visit here.

Does Amica have good life insurance reviews?

Yes, Amica rates well in life insurance reviews. According to Consumer Affairs, they rate 4.1 out of 5 stars.

What coverage does Amica Business insurance have?

Amica’s small business insurance offerings include general liability, professional liability and business owner insurance. Amica partners with Hiscox Insurance Company, an established global specialty insurer, to offer small business insurance.

Amica Mutual Insurance Products

Auto InsuranceHome Insurance
Renters InsuranceCondo Insurance
Retirement InsuranceMarine Insurance
Motorcycle InsuranceUmbrella Insurance
Small Business InsuranceWedding & Event Insurance
Life InsuranceSmall Business Insurance
Retirement Annuities

Amica Mutual Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payment

This coverage helps you pay for medical expenses resulting from a covered loss.

Roadside assistance

This coverage provides towing, mechanical and roadside help with common issues like locked doors, tire changes and gas delivery to customers in Alabama, Georgia, and Mississippi.

Glass Coverage

If you buy this coverage, you won’t have to pay a deductible in the event of a claim.

Rental Reimbursement

If you’re in an accident, you may be covered for the cost of a rental.

Platinum Choice Auto

This premier coverage in one convenient package of top-of-the-line insurance at an affordable rate.

Accident Forgiveness

With this coverage, you can lower or eliminate costs if you’re in an accident. You do this by earning Advantage Points and using the points to reduce or eliminate a deductible or to keep rates from going up after a claim is filed.

Prestige Rental Coverage

If your car is in the shop, you can drive a similar one.

Discounts

Defensive Driver Training DiscountGood Student/College Graduate Discount
Paid in Full DiscountDriver Training Discount
Student Away at School DiscountAnti-theft Device Discount
Alarm System DiscountNew/Remodeled Home Credit
Automatic Detection Devices DiscountClaim-free Discount
AutoPay DiscountE-discount
Multi-line DiscountLoyalty Discount
Renters DiscountCondo Discounts

Amica Mutual Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Amica Mutual. On average, Amica Mutual charges approximately $185.63 per month. The cheapest state average is New Hampshire at $143.03 per month followed by Massachusetts at $161.67 per month. The most expensive state average is at $292.17 per month.

State Avg monthly rate
CT $196.19
MA $161.67
State Avg monthly rate
NH $143.03
RI $258.08

Amica Mutual Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Amica Mutual charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $178.25
2 Vehicles $228.33
3 Vehicles $298.97
4 Vehicles $400.54
5 Vehicles $525.12

Amica Mutual Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Amica Mutual charges $170.52 per month for drivers who own their home and $189.81 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $170.52
Rent $189.81

Amica Mutual Contact Info

Address100 Amica Way, Lincoln, RI, 02865
Phone800-242-6422
Website https://www.amica.com/
Facebookhttps://www.facebook.com/AmicaMutualInsuranceCo/
Youtubehttps://www.youtube.com/channel/UC5016jOsdBWJ6z0YNlJ2fTw
Twitterhttps://twitter.com/Amica

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.